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Solution

Anti-Money Laundering Platform

Protect the bank across the customer and transaction lifecycle. Bring KYC, customer risk assessment, fraud detection, AML transaction monitoring, payment screening and controlled decision-making into one integrated platform.

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The Synergy AML platform's transaction monitoring dashboard: alerts, high-risk customers, recent transactions and their risk

Customer lifecycle

Financial crime prevention across the customer lifecycle.

Connect customer knowledge, risk assessment, transaction monitoring and controlled decision-making into one continuous process.

  1. 01

    Onboard

    Know the customer

  2. 02

    Assess

    Understand the risk

  3. 03

    Monitor

    Observe actual activity

  4. 04

    Screen & Detect

    Identify potential threats

  5. 05

    Decide & Prevent

    Take controlled action

  6. 06

    Reassess

    Keep the customer profile current

  7. 07

    Evidence

    Maintain accountability

Integrated capabilities

Financial crime controls in one integrated platform.

Detect, assess, investigate and manage financial crime risk across customers, accounts and transactions.

  • KYC & Customer Due Diligence

    Establish and maintain customer identity, expected activity, source of funds and supporting information.

  • Customer Risk & Intelligent Scoring

    Assess customer and transaction risk using configurable rules, customer behaviour and intelligent scoring.

  • Fraud Detection & Prevention

    Identify suspicious behaviour, unusual transaction activity and fraud scenarios across banking channels.

  • AML Transaction Monitoring

    Monitor transactions against AML scenarios and route suspicious activity for further review.

  • Payment & Sanctions Screening

    Screen payments, counterparties, accounts and banks against relevant controlled lists.

  • Alert Review & Decision Management

    Investigate identified activity and support controlled approval, rejection, hold or release decisions.

  • Ongoing Customer Monitoring

    Monitor changes in customer risk and support periodic and event-driven reassessment.

  • Reporting, Audit & Administration

    Maintain operational history, supporting evidence, reporting and traceability across the platform.

Real-time control

From transaction to decision.

Embedded controls evaluate risk as part of transaction processing, helping institutions identify suspicious activity while allowing legitimate transactions to continue efficiently.

  1. TransactionTransaction enters the banking process.
  2. ScreenApply sanctions, watchlist and AML controls.
  3. Assess riskEvaluate customer profile, behavioral patterns and risk indicators.
  4. DecisionDetermine the appropriate action according to the bank’s policies.
  • ProceedContinue normal processing.
  • ReviewRoute for investigation.
  • Controlled ActionBlock or apply restrictions.

Intelligent risk assessment

Combine rules with intelligent risk scoring.

Combine rule-based parameters with machine learning models to generate dynamic predictive risk scores based on customer and transaction activity.

  • Rules & ParametersConfigurable monitoring and detection logic.
  • Customer & Transaction ContextCustomer profiles, transaction characteristics and other indicators.
  • Machine Learning ModelsAdvanced analytical models to identify patterns and generate predictive risk scores.
Dynamic Risk ScoreCombines rules and machine learning to generate a dynamic risk assessment.

Intelligent risk assessment

Human control where it counts.

Combine automated detection, configurable rules and intelligent risk scoring with controlled human decision-making when compliance judgment is required.

  1. DetectIdentify suspicious activity.
  2. AssessEvaluate customer and transaction risk.
  3. Risk ScoreGenerate an intelligent risk assessment.
  4. Human ReviewRoute activity for compliance review when required.
  5. DecisionApprove, reject, hold or release according to defined controls.

Case management & investigation

Turn alerts into controlled investigations.

Transform detected activity into structured operational workflows where compliance specialists can review transaction and customer information, supporting documents and related activity, record findings, obtain approvals and maintain the evidence associated with each investigation.

Configurable control

Adapt the platform to your risk framework.

Financial crime policies differ across institutions, jurisdictions, products and customer segments. The platform enables banks to configure monitoring logic around their own risk appetite and compliance policies.

  1. 001

    Parameters & Thresholds

    Define configurable thresholds and parameters based on transaction conditions, customer risk and institutional policies.

  2. 002

    Rules

    Configure monitoring and detection rules to identify activity that requires additional review or investigation.

  3. 003

    Lists

    Manage internal and external control lists used across transaction monitoring, screening and risk assessment.

  4. 004

    Workflows

    Configure investigation, review and approval workflows according to the bank’s internal rules and operational practices.

Platform architecture

Built into the banking ecosystem.

Integrate financial crime prevention with core banking, payment infrastructure, digital banking channels, customer information sources and external compliance data.
The architecture supports environments including Oracle FLEXCUBE, SWIFT, SEPA, TARGET and ISO 20022-based payment flows.

  1. Banking Channels

    • Branch
    • Internet Banking
    • Mobile Banking
    • Corporate Banking
    • APIs / Open Banking

  2. Financial Crime Prevention

    • AML Monitoring
    • Sanctions Screening
    • Fraud Detection
    • Customer Risk Assessment

  3. Intelligence & Investigation

    • AI & Risk Scoring
    • Case Management
    • Reporting & Analytics

  4. Platform Services

    • Rules Engine
    • Workflows Engine
    • Documents Management
    • Data Store
    • Administration

  5. Core Banking & External Systems

    • Oracle Flexcube
    • Payment Networks
    • External Data
    • CRM

Business value

Stronger controls. Smarter operations.

  • Strengthen Controls

    Support stronger regulatory and financial crime controls across customers and transactions.

  • Detect Earlier

    Identify suspicious activity earlier in the transaction lifecycle.

  • Improve Productivity

    Help AML and fraud specialists focus on activity that genuinely requires investigation.

  • Protect Customer Experience

    Minimize unnecessary disruption to legitimate customer activity.

Ready to strengthen your financial crime controls?

Talk to our team about integrating AML monitoring, screening, risk assessment and investigation with your banking systems.

Talk to our team